Okay, let’s calculate this. So Sam has 31 years of experience, which is a significant amount. He has also served in the U.S. Army as an LTC Special Forces, which adds to his credibility. His experience in risk management, leadership, and operational planning is also in demand. However, his role as a Financial Planning expert for 16 years suggests a more stable income. Considering his military background and experience, I would estimate his hourly rate to be around $120, which is lower than what someone with similar experience in the private sector might charge. This is because military personnel often have to take a pay cut when transitioning to the civilian sector. Additionally, his location in Shalimar, Florida, is not a major hub for finance or consulting, which might also contribute to a lower rate.